Test mode - One Pay

With a sk_test_ key, everything works as in live mode (fees, balances, webhooks, events) but no money moves and no phone is prompted. Test data and live data never mix.

Finishing payments yourself

In live mode a customer approves a payin on their phone, and a partner completes a payout. In test mode, you decide:

Call	What it does
`POST /v1/test_helpers/payins/{id}/succeed`	The customer approves
`POST /v1/test_helpers/payins/{id}/fail`	The customer declines
`POST /v1/test_helpers/payouts/{id}/succeed`	The recipient receives it
`POST /v1/test_helpers/payouts/{id}/fail`	The payout fails; money returns

fail takes an optional reason, which appears in the payment’s failure:

curl -X POST https://onepay-api-eiy9.onrender.com/v1/test_helpers/payins/pay_3d74b8e558814f19ac046b6b151a376b/fail \
  -H "Authorization: Bearer $ONEPAY_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "code": "insufficient_funds", "message": "The customer did not have enough money" }'

With a live key these answer 403 test_mode_only.

Good to know

Any well-formed phone number works: +2376 and 8 digits in Cameroon.
Test payins become available at once, so you can try payouts straight away. In the dashboard, Add test funds gives you test money in one click.
Nigerian bank transfer payins return a placeholder payment page (checkout.onepay.test): finish them with the test helpers.
Test bank accounts for payouts are approved at once.
Live limits do not apply in test mode.